Accident related - What happen next? Private settlement? Look here

Andy · May 18, 2002

ok2eon · May 24, 2002

hmmm..... seems like u hav learned quite alot after that incident...

Andy · May 24, 2002

hmmm..... seems like u hav learned quite alot after that incident...

no lah, this one from other sites one. But learnt alot from experiences... haha

chaicka · March 8, 2003

Title: Making A Traffic Accident Report

Source: Information Booklet on Police Procedures

When Should A Traffic Accident Report Be Made?

A traffic accident report should be made if it involves:

[*]A foreign vehicle; or

[*]A pedestrian or cyclist; or

[*]An injury where

- if conveyance to hospital was done through other transport and the party is subsequently hospitalised or given outpatient medical leave of 3 days or more; or

- no one was conveyed to hospital from the scene but latent injury had subsequently developed which entailed hospitalisation or outpatient medical leave of 3 days or more; or

[*]A hit-and-run.

If the accident does not fall under any of the above categories, there is no need to lodge a Police report. A General Insurance Association (GIA) Motor Accident Report to the insurance company is sufficient.

How Should A Traffic Accident Report Be Made?

A traffic accident report can be made at any Police station, NPC or NPP. One should provide (wherever possible) Police with the following information:

[*]Particulars of witnesses;

[*]Damage and position of accident vehicle(s);

[*]Registration number and description of other vehicle(s).

A copy of the report will be issued to the complainant.

Are Amendments To An Accident Report Allowed?

Yes. Amendments can be made by filling in an amendment form available at Traffic Police, Ubi Ave 3, Singapore 408865. Alternatively, you can write to the Head Investigation, Traffic Police stating the amendments to be made.

Can One Party Obtain The Other Party's Traffic Accident Report?

Only a person directly involved in the accident may obtain a copy. Application may be done personally at Traffic Police or through a lawyer. Or, written applications can be made to the Sales Section, Traffic Investigation Branch. The application must state the date, time and place of the accident, the vehicle(s) involved and the report number.

The fee for each report is $16. The search fee is $14. Cheques should be made to 'Head Investigation, Traffic Police'. For most applications, a copy of the report will be sent within 3 weeks after payment.

How Can The Result Of Investigation Be Obtained?

Application can be made personally at Traffic Police. Or, written applications may be made to the Sales Section, Traffic Investigation Branch with the date, time and place of accident, the vehicle(s) involved and the report number (if available).

A search fee of $14 is payable and should be enclosed with the application. If application is made for both a copy of the report and the result of investigation, only one search fee of $14 is imposed. Cheque payments should be made payable to 'Head Investigation, Traffic Police'. The result of investigation will be sent within 3 weeks after investigations have been completed. It can also be collected personally or through a representative. The representative must produce a letter of authorisation from the applicant. The letter must state the name and NRIC of the authorised representative.

Can Civil Claims Be Made In Cases Where No Action Is Taken By Police?

Yes, such a decision will not affect civil claims.

Can One Party Obtain The Other's Insurance Particulars When No Traffic Accident Report Was Made To Police?

Yes. Application for the other party's insurance particulars can be made from the Multi-Transaction Counter, 2nd Level, Land Transport Authority, No. 10 Sin Ming Road. The enquiry number is 1800-553 5229. A fee of $5.15 is payable.

Lodging A Traffic Accident Report As A Witness?

If you have witnessed a traffic accident, Police would appreciate it if you would come forward to tell us what happened. Many traffic accidents remain unsolved each year because of inconclusive or conflicting evidence.

One factor which discourages witness from coming forward is having to testify in court if the case is brought to trial. Most people shy away from such exposure. However, we would like you to help Police get to the truth.

If you have witnessed a traffic accident, especially one in which someone was injured or killed, please lodge a traffic accident report at any Police station, NPC or NPP. Or, you can call the Traffic Police Hotline at 1800-547 1818 to provide the information.

Hit-and-Run Accident?

If you have witnessed a hit-and-run accident, please note the following information and call '999':

[*]colour, make and model of the hit-and-run vehicle;

[*]race and gender of the driver;

[*]the direction the hit-and-run vehicle was last seen proceeding towards.

chaicka · March 8, 2003

Title: Motor Claim Procedures for AXA Insurance

Source: AXA Insurance Singapore Pte Ltd

Claims Reporting

[*]Call AXA Insurance Singapore within 7 days to file a claim.

24-Hour Helpline: 1800-8804741

[*]Complete and return the Non-injury Motor Accident Report form which we will send to you when we receive your call to file a claim.

[*]Forward all letters and communications received from third parties to

AXA Insurance, Motor Claims Dept.

143 Cecil Street #01-01

GB Building, Singapore 069542

Fax No: 68804838

24-Hour Helpline: 1800-8804741

chaicka · March 8, 2003

Title: Motor Claim Procedures for NTUC-Income Insurance

Source: NTUC-Income

Claims Reporting

[*]Please call INCOME's 24 hour hotline: 6788 6616 for location of the nearest IDAC;

[*]If towing service is needed, you can call Idac's 24-hour hotline at 1800 887 5151 for towing at no charge to you;

[*]At the IDAC, you will be required to file an accident report and submit a claim to your insurance company;

[*]IDAC will assess the damage to your car and we will authorise repair within two working days;

[*]Your car/motorcycle will be repaired at a workshop selected by Income in accordance with the policy conditions;

[*]Policyholders who are not liable for the accident are also required to make an own damage claim instead of third party claim. Your no claim discount will not be affected.

Accident in Malaysia

For accidents in Malaysia where towing services are required, you can call NTUC Income's 24-hour hotline: 6788 6616 for assistance.

You will have to pay for the towing service direct with the recommended service provider, based on mutual agreement. The service provider will tow your car to the nearest Idac, and you can then file an accident report at the Idac upon your return to Singapore. You can submit a claim upto $200 for the towing service as provided for under the Scope of Cover of your policy.

Courtesy Car / Transport Allowance

From the 2nd day your car is in our quality workshop, you will enjoy either of the following benefits :

Upon availability, a courtesy car for the duration of the repair to a maximum of 14 days or

Transport allowance of $50 per working day for the duration of the repair to a maximum of 14 days

An administrative charge of $10 and a refundable deposit of $50 will be charged for the usage of the courtesy car.

No Claim Discount

[*]For every ‘claim free’ year, the discount will be increased by 10% to a maximum of 50% over five years;

[*]Our policyholder's 'No Claim Discount" will be protected if the policyholder is not at fault or the liability is less than 30%;

[*]If the policyholder is unhappy with the assessment of liability made by our officer, they can lodge a request for review to the claim officer.

If You Receive A Third Party Claim

If you receive a claim from a third party or a writ from a lawyer, you should refer the matter to us immediately. We will handle the claim or writ for you. We have to respond to a writ within 8 days, so you have to act immediately. Give us a call at 6788-6616.We may need your full cooperation in giving a full report of the accident, and to verify the extent of damages to the third party.

Third Party Claims

Insured who chooses to make third party liability claim against other insurers will have to make the claim on their own . If you are involved with Malaysian cars and making a claim against a Malaysian insurer, the process will take a longer time. Please be patient. You will need to liaise direct with the workshop who undertake the third party claim on your behalf. NTUC Income cannot assist you to claim third party as it is outside our control.

Repairing At Your Own Workshop

If you wish your car to be repaired at your existing workshop, you can provide its name and contact number to us. We will invite the workshop to quote and carry out for the repair if the charges are competitive. If the workshop does not have an email we send a fax to them to quote. However, if the charges are too high and your workshop is unable to repair at the benchmark price quoted by our quality workshop, we may have to send your vehicle to our quality or authorised workshop. If this is done, we will ensure that the repair matches up to a satisfactory standard, in accordance to our underwriting.

Spare Parts Unavailability

The insurer shall not be responsible if the spare parts are not available. Arrangement will be made for the unavailable spare parts to be shipped in at our cost. However, if the spare parts have to be air freighted, then the air freight charges shall be borne by the policyholder. During the period where spare parts are not available and due to this the repair is delayed, neither courtesy car nor transport allowance will be provided.

chaicka · March 8, 2003

Title: Motor Claim Procedures for AIG

Source: AIG, Inc.

Claims Reporting

[*]Non Traffic Accident Damages

For non traffic accident damages eg. vandalism, malicious act, theft, windscreen damage, etc., Insured/driver needs to fill up an AIG Motor Claim form. However for cases with criminal intent involved, a police report will be required before filing up the AIG Motor Claim form eg. vandalism, theft and malicious act.

Making An Own Damage (OD) Claim

[*]Survey

You should not allow the workshop to carry out any repair until after approval is given by AIG. We will arrange for your vehicle to be surveyed before repair authorization is given to the workshop.

[*]Excess

Under the policy condition, you are required to pay an excess for your claim, if applicable. You should pay the excess directly to the workshop.

[*]No Claims Discount (NCD)

When you make an own damage claim, your NCD will be reduced accordingly. NCD will be reduced at a rate of 30% per accident claim.

[*]Windscreen Claim

With effect from 1st November 2002, windscreen cover will be reinstated automatically following a claim, free of charge. However, an excess of $100 (exlusive of GST) will apply for each claim. As for policies issued prior to 1 November 2002, the old clause still applies whereby there is no excess but insured has to pay $100 (exclusive of GST) to reinstate the cover.

[*]Summons

If you receive any letter or a court summons from the other party relatingto the accident, you should forward it to us "BY HAND" immediately and leave us to act on it. You should not negotiate, admit liability or offer payment to the third party.

[*]However, if you receive a traffic summons from the police which allows you to pay a composition fine, you can proceed to pay the fine if you have violated any traffic rules or regulations.

Making A Third Party Claim

[*]You can choose any of the following options:-

- Send your vehicle to any of our authorized workshops. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf.

OPTION 2

- If the workshops are unable to provide such a service, insured will have to submit his claim directly to the third party insurers.

[*]Below are the steps to be taken when submitting a third party claim:-

- Contact the third party insurer and request them to conduct a survey of your vehicle. You can also engage an independent surveyor on your own.

- After the survey, you may proceed with the repair

- Settle the repair bills and other expenses eg, car rental fees.

- Send this claim to the third party insurer, together with copies of your repair bill, expenses' receipts, survey report / photographs (if survey is conducted by your own independent surveyor) and GIA non-injury report.

chaicka · March 8, 2003

Title: Motor Claim Procedures for Mitsui Sumitomo Insurance

Source: Mitsui Sumitomo Insurance (Singapore) Pte Ltd

Claims Reporting

[*]Lodge a police report if any party is injured in the accident, followed by a report to Mitsui Sumitomo enclosing copy of the police report, driving licence, NRIC and insurance certificate. If there is no injury, submit GIA non-injury report form to Mitsui as soon as possible with a copy of driving licence, NRIC and insurance certificate.

[*]Ask the workshop to submit quotation for repairs to Mitsui Sumitomo if you are making a claim under your own policy.

For further enquires, please contact us at 6220 9644 and ask for Mr. Calvin Sim at extension 209.

Andy · March 17, 2003

If you are involved in a motor accident and decide to enter into a private settlement with the other driver, it is important to note that there should not be any personal injuries and the damage is minor. When you decide to settle privately, make sure that the settlement is full and final.

It is necessary that a discharge voucher listing the terms of the settlement be duly acknowledged by all parties in writing. The discharge voucher should indicate :-

[*]the names of the parties agreeing to the private settlement

[*]the amount of compensation to be paid and received by whom

[*]the settlement full and final settlement of the accident

[*]no further claim shall raise from the accident

When you settle privately and have it recorded in writing, no further claim can be made against your insurance policy. In this case, your No Claim Discount is not affected and there is no need to submit to us.

The forms are available at our branches and head office.

To print a copy of the private settlement claim form, visit http://www.income.com.sg/claims and click on "Motor Insurance".

A copy of the private settlement claim form is attached in doc format for easy printing.

http://www.income.com.sg/claims/pdf/prv-settle.pdf

mamu27 · March 21, 2003

errr..

dun have leh.

only see motor workshops

BluEGaZeR · March 21, 2003

Found it and copy into a MS word document.

Download at will..

mamu27 · March 21, 2003

thankiu very much.

im sure everyone wld appreciate it

dirt_man8 · May 27, 2003

Guys

I just had an accident today...made me learn a lot of stuff that I would like to share with you all..

This morning , I was turning left in my sch and I have signal my intention to turn long ago. This reckless driver came from behind and bang into my ack wheel..why? maybe he was fast? maybe he was cock? maybe he couldnt care less ? but thats not the main issue.

At the first impact of the bang, I thought I corner too low on tarmac causing my back wheel to slide so I countered steer and managed to escpae from a fate of scratches and bruises. Upon stopping the bike, I expect him to come out of the car looking apologetic, instead, he dashed out giving a fark face and claimed that I stopped too soon and signaled too late..we started to have a heated agrument on whois right and whois wrong and that driver simply dun want to admit his mistake and insisted on claiming my insurance. That arsehole even challanged me to hit him.. DUN!! no matter under what circumstances , you should never lay your hand on the driver...road bullies are always wrong!~

without even giving a care to what he says, I phoned for the police knowing that there wouldnt be a case as theres no damage to public property, no injury, and doesnt affect cyclists or pedestrains. The police arrived and WOW! you see the change in attitude of that guy became instantous.. amazing!!

Police came and took down what happened and will keep it as referance...

When you are involved in an accident, dun panic or be agitated! analyse the situation and select your strong points and work on them!

No matter whether the driver ask for a private settlement or he wana make a claim, report the matter to your respective insurance company and file it under report...NTUC income policies holder can do it at IDAC (few locations) they could even provide free towing if your vehicle cant move.This is to protect yourself against double sided snakes that says they wouldn claim you in front of you but makes a claim behind your back..Your insurance company will access the situation and take down pictures of your bike and hopefully writes a report in your favor..

Next important thing..

If some driver has been performing some "tricks" on the road that you find its a hazzard to other road users safety, you can also do a write in to complain abt them.. all you need is that "stunt" driver or rider's plate number.

Write a formal fax letter to OC Violation Traffic POlice Department telling them what has happened. The fax number is 65474883, the telephone number is 65470000..

Your complain could probably save another rider or driver life.. :thumbs:

Regards

Lonely Stranger · May 27, 2003

If you're using NTUC Insurance carrying this form will come in handy when settling privately : http://www.income.com.sg/claims/pdf/prv-settle.pdf

dirt_man8 · May 27, 2003

If you're using NTUC Insurance carrying this form will come in handy when settling privately :http://www.income.com.sg/claims/pdf/prv-settle.pdf

really useful piece of information...but just wondering if anyone really does print this out and carry it with him wherever he go?

regards

Lonely Stranger · May 27, 2003

really useful piece of information...but just wondering if anyone really does print this out and carry it with him wherever he go?

regards

Me Anyway it's just a piece of paper, won't cause any hassle, just fold it up, stuff it in the wallet and away we go.

Seth · May 28, 2003

If you're using NTUC Insurance carrying this form will come in handy when settling privately :http://www.income.com.sg/claims/pdf/prv-settle.pdf

Can this form act as prove if the fella refuses to admit / pay? Meaning when lodging a police case...? Kindly enlighten?

louis · May 28, 2003

Always remember to take down the plate number... I did not take down after my accident and the bugger goes scot-free. Hope next time his son/daughter get knocked down on the road and see how he feels about it...

Lonely Stranger · May 28, 2003

Can this form act as prove if the fella refuses to admit / pay? Meaning when lodging a police case...? Kindly enlighten?

Ok........... this form is for a private settlement between you and the driver ,this form is a form of valid black & white proof, for example;that you had given him money and settled on the spot, so both of you sign the form and go off. Then you go to NTUC and submit the form for them, by doing this, the driver can't backstab you by making any fraudulent claims against your insurance company as you have both signed on the form. This was implemented since there were lots of cases in where unscropulous motorists make claims against the plaintiff even though they have settled on the spot. Hope this clears you up.

May 29, 2003

Wah... wat abt those from other insurance companies?

Crydee · June 1, 2003

Thanks for the tips dirt_man8

Seth · June 2, 2003

Ok........... this form is for a private settlement between you and the driver ,this form is a form of valid black & white proof, for example;that you had given him money and settled on the spot, so both of you sign the form and go off. Then you go to NTUC and submit the form for them, by doing this, the driver can't backstab you by making any fraudulent claims against your insurance company as you have both signed on the form. This was implemented since there were lots of cases in where unscropulous motorists make claims against the plaintiff even though they have settled on the spot. Hope this clears you up.

Roger that...

July 8, 2003

Guys
No matter whether the driver ask for a private settlement or he wana make a claim, report the matter to your respective insurance company and file it under report. This is to protect yourself against double sided snakes that says they wouldn claim you in front of you but makes a claim behind your back..Your insurance company will access the situation and take down pictures of your bike and hopefully writes a report in your favor..
Regards

Regarding abt this 'they wouldn claim you in front of you but makes a claim behind your back' can u fight back e words of his? if nothing really happened..coz i believe if kanna any accident juz take down num plate will do rite..but think again..everyone can take down anyone num plate wat..hehe

And under a diff incident if both parties never make any reports.. juz say private settle but in e end one dun wana pay n treat as nothing happened..coz no injuries no scatches even on both vehical. Then how?? Lanlan huh??

Hope u guys understand wat im trying to say..

ViNaR · July 10, 2003

hi guys... tis is wad happened...

http://www.singaporebikes.com/forum/viewto...pic.php?t=13129

rite now.. i dunno if the guys has made any police report.. cos its been so long n the tp letter has not come to ask me to go for the tp interview.. i took my statement down in a npp but i tink the police man did a bad job... so do i still need to fone my insurance company? anyone i called up the tp and they told me there's not traffic offence commited by my bike ley.. no summons.. so.. wad do i dO>?

cooltoy99 · July 13, 2003

Then if theres injuries then what should we do ? call ambuance ?

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